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643 Bay Grove Rd, Freeport, FL 32439 Property Records

Walton County property record for 643 Bay Grove Rd, Freeport, FL 32439

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,581 sqft · built 2004
Lot Size0.496 acres (21,622 sqft)
OwnerIndividual Name on Record
Last Sale$215,000 (May 2007)
Tax Bill$895 (2025)
Deeds & MortgagesFeb 2018 Mortgage
Flood ZoneZone X (minimal risk)
APN33-1S-19-23030-000-0130

Property Details

APN / Parcel Number

Primary APN33-1S-19-23030-000-0130
Alternative APNs
  • 33-119-23030-000-0130
  • 1072969

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,581 sqft Living Area
Gross Area2,189 sqft
1st Floor Area1,581 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Exterior MaterialBrick
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,622 sqft (0.496 acres)
Lot Dimensions200 ft deep x 109 ft wide
Garage TypeAttached
Garage Area378 sqft
PorchFinished/Open Porch
Porch Area230 sqft
Patio Area80 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address643 BAY GROVE RD
CityFREEPORT
StateFL
Zip32439-4835
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 13 MALLET BAYOU S/D PB 15-65 OR 2627-2524 OR 2628-3536 OR 2762-4377 OR 3065-1692
Legal Range019
Legal Township01S
Legal Section33
Legal SubdivisionMALLET BAYOU
Legal Block1
Legal Lot Number13
JurisdictionWALTON FL
Township / Civil DivisionFREEPORT
Census Block Group1
Census Block1041
Census Tract950502

Owner

Source: Walton County records, as of December 3, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address643 BAY GROVE RD, FREEPORT, FL 32439-4835
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 31, 2007 · Amount on Record
Deed SaleMay 31, 2007 · Amount on Record
Prior SaleAug 19, 2004 · Amount on Record
Deed Document Number2007998155
Deed Book / Page2762 / 4377
Last Transfer DateFeb 2, 2018
Transfer Doc0030651692
Record UpdatedJun 8, 2026

February 2018: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWALTON FL
Recording DateFeb 13, 2018
Property Address643 BAY GROVE RD, FREEPORT, FL 32439-4835
Document Number0030651692
Book / Page3065 / 1692
Map ReferenceMB15 PG65-65B
Instrument DateFeb 2, 2018
Instrument2018000004657
Transaction TypeTransfer
Record UpdatedDec 30, 2021
Title CompanyBOSTON NATIONAL TITLE LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address643 BAY GROVE RD, FREEPORT, FL 32439-4835

Mortgage

Document Number2018000004658
DateFeb 13, 2018
Instrument2018000004658
Lender
NameM & T BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueMar 1, 2028

Tax Assessment & Valuation

Source: Walton County assessment roll, as of December 3, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyWalton County
Unified School DistrictWalton County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$895.00 (+2.29%) Homeowner's exemption$136,934 (-53.4%)$272,921 (-7.12%) Land $113,879 Building $159,042
2024$875.00 (+4.17%)
2023$840.00 (+1.45%) Homeowner's exemption$293,838 (+1.33%) Land $131,000 Building $162,838$293,838 (+1.33%) Land $131,000 Building $162,838
2022$828.00 Homeowner's exemption$289,988 Land $145,410 Building $144,578$289,988 Land $145,410 Building $144,578

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 18, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 126 policies
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies126 in force
Nearby Flood Claims68 (1992–2021)
Claims Outside the SFHA7 of 68
Most Recent ClaimJun 2021 · other causes
Claims by Event
  • Hurricane Sally, Sep 2020 · 8 claims
  • Hurricane Frances, Sep 2004 · 23 claims
  • Hurricane Opal, Oct 1995 · 24 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.09% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemNORTH BAY WATER SYSTEM
serves 3,171 people · EPA ID FL1664019
Water SourceGroundwater
Last State InspectionJan 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Cox Communications
Cable		2,000 / 35
Verizon
Fixed Wireless		300 / 20
Wildstar Networks
Fixed Wireless		200 / 50

May also be available: CenturyLink.

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